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HDFC Standard Life Logo Parent Company Category Sector Tagline/ Slogan USP HDFC LTD & STANDARD

life plc NBFC Insurance and finance Sar Utha ke jiyo Strong Financial History STP Segment Target Group Positioning Personal and Group Insurance Urban and Rural Investors Complete Insurance and financial solutions SWOT Analysis 1. Customised and Flexible Insurance Solutions and large product portfolio 2. Robust Risk control Framework 3. Network of 500 branches and agents across 700 cities 4. Strong Financial Expertise and popular advertising 5. Globally, Standard Life plc has 1.5 million shareholders in more than 50 countries and over 6 million customers 6. Alliance between HDFC and Standard Life giving a strong brand backing 1. Less penetration in rural areas 2. Controversies like job cuts, racism and data loss have affected image 1. Growing rural market and better opportunities in the semi-urban areas 2. Group Insurance through large employers 1. Economic instability and global crisis 2. Entry of new NBFCs in the sector Competition

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1. Bajaj Allianz 2. Sahara Life Insurance Competitors 3. Reliance Life Insurance

HSBC Logo The Hongkong and Shanghai Banking Corporation; HSBC Holdings Banking Financial Institutions The worlds local bank All banking needs from accounts to convenient credit cards to a home loan or business account across the world STP Segment Target Group Positioning Enterprise and Individuals who are seeking financial help and advice Large enteprises and rich individual investors A global insitution which adjusts and adapts to domestic environment

Parent Company Category Sector Tagline/ Slogan USP

SWOT Analysis 1.Strong brand name and good financial position 2.Present in various business groups like commercial banking, investment banking, financial services and private banking 3.Diverse customer base decreases risk 4.Employs over 275,000 people globally 5.Has over 7500 offices in around 87 countries 1.US a declining market 2.Weak retail banking as compared to competition 1.Expansion in other countries 2.Diversifying portfolios for customers 3.Lower interest rates will boost market share 1.Changing govt regulations and financial crisis like recessions 2.Stiff competition from global leaders Competition 1. BNP Paribas 2. Citigroup 3. China Construction Bank Corporation 4. Deutsche Bank 5. Bank of America 6. National Australia Bank 7.Standard Chartered Bank 8.Royal Bank of Scotland

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Bajaj Allianz Logo Parent Company Category Sector Tagline/ Slogan USP Bajaj Finserv LTD. And Allianz SE NBFC Insurance and finance Jiyo Befikar; Life. Insured by Care Expertise in local market with global exposure STP Segment Target Group Positioning Personal and Group Insurance Urban and Rural Investors Complete Insurance and financial solutions SWOT Analysis 1. Global exposure in Insurance through Allianz SE and Strong Local Implementation by Bajaj 2. Has network across 200 towns 3. Fundamentally Strong with good paying Capabilities 4. Allianz AG is an insurance conglomerate globally and one of the largest asset managers in the world, managing assets worth worldwide with 115 years of financial experience in over 70 countries 5. Received the prestigious "Business Leader in General Insurance", award by NDTV Profit 1. Lack of penetration in rural areas 2. Smaller Infrastructure as compared to established players 1. Growing rural market potential Opportunity Threats 2. Urban Youth with growing income 1. Economic crisis and economic instability

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Weakness

2. Entry of new NBFCs in the sector 3. Increasing awareness amongst people about securing their future Competition 1. SBI Life Insurance 2. Sahara Life Insurance Competitors 3. HDFC Standard Life

Swot Analysis Of Hdfc Standard Life Insurance Analysis of the industry s environment (SWOT Analysis) HDFC and Standard Life first came together for a possible joint venture, to enter the life Insurance market, in January 1995. It was clear from the outset that both companies shared similar values and beliefs and a strong relationship quickly formed. In October 1995, the companies signed a 3-year joint venture agreement. STRENGTH 1. Domestic image of HDFC supported by Prudential s international image is strength of the company. 2. Strong and well spread network of qualified intermediaries and sales person. 3. Strong capital and reserve base. 4. The company provides customer service of the highest order. 5. Huge basket of product range which are suitable to all age and income groups. 6. Large pool of technically skilled manpower with in depth knowledge and understanding of the market. 7. The company also provides innovative products to cater to different needs of different customers. WEAKNESS

1. Heavy management expenses and administrative costs. 2. Low customer confidence on the private players. 3. Vertical hierarchical reporting structure with many designations and cadres leading to power politics at all levels without any exception. 4. Poor retention percentage of tied up agents. OPPORTUNITIES 1. Insurable population According to ING only 10% of the population is insured, which represents around 30% of the insurable population. This suggests more than 300m people, with the potential to buy insurance, remain uninsured. 2. There will be inflow of managerial and financial expertise from the world s leading insurance markets. Further the burden of educating consumers will also be shared among many players. 3. International companies will help in building world class expertise in local market by introducing the best global practices. 4. Insurance liberalization in India is expected to result in a wider choice of major commercial insurance covers, such as fire, export credit,...

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